Best credit cards for building credit of 2024
Build your credit with a credit card. Get matched to credit cards from our partners based on your unique credit profile.⍉
Get higher approval odds
Great option if you’re having trouble getting approved for a credit card.
Protect yourself from fraud
Get fraud protection benefits, like limited or $0 liability for unauthorized purchases.
Earn rewards for your spending
Pick a card that offers cash back rewards to get more for your money.
⍉Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Subject to credit check which may impact your credit scores. Offers not available in all states. See licenses and disclosures.
Browse categories
All credit cards for building credit
16 partner offers
AvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 35.99%* |
Annual Fee: | $75* |
Surge® Platinum Mastercard®
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 35.90% Fixed |
Annual Fee: | $75 - $125 |
The OpenSky® Secured Visa® Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 25.14% Variable |
Annual Fee: | $35 |
AvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 35.99%* |
Annual Fee: | $0* |
AvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 35.99%* |
Annual Fee: | $0* |
AvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | 2% (cash back) |
Ongoing APR: | 29.74%* |
Annual Fee: | $0* |
Capital One Platinum Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
First Latitude Assent Mastercard® Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 28.74% Variable |
Annual Fee: | $0 |
FIT™ Platinum Mastercard® - $400 Credit Limit
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 35.90% Fixed |
Annual Fee: | $99 first year; $125 thereafter |
Platinum Select Mastercard® Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 18.74% Variable |
Annual Fee: | $39 |
Reflex® Platinum Mastercard®
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 35.90% Fixed |
Annual Fee: | $75 - $125 |
Credit One Bank American Express® Card for Rebuilding Credit
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 29.49% Variable |
Annual Fee: | $75 First year. $99 thereafter, billed monthly at $8.25 |
Terms Apply
Rates and feesCapital One Quicksilver Secured Cash Rewards Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1.5%-5% (cash back) |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
Credit One Bank® NASCAR® American Express® Credit Card for Rebuilding Credit
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 29.24% Variable |
Annual Fee: | $75 First year. $99 thereafter, billed monthly at $8.25 |
Terms Apply
Rates and feesAvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 35.99%* |
Annual Fee: | $39* |
Platinum Prestige Mastercard® Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 14.74% Variable |
Annual Fee: | $49 |
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author ’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.
*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
ΘCredit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
What you should look for in a credit card for building credit
1
Look for 3-bureau reporting
Build your credit with a card that reports to all 3 credit bureaus.
2
Start with a secured card
Add a deposit to your card to set your credit limit.
3
Consider upgrade potential
Switch to an unsecured card once you build your credit.
4
Pick a pre-qualified card
Avoid extra inquiries by picking a card that you pre-qualify for.
Start with your FICO® ScoreΘ and see card offers matched to your credit profile.
Get started for freeΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.